Queensborough National Bank & Trust Company
Louisville, Georgia, Jefferson County
$2.3B in total assets, the 558th largest of 4,309 US banks and 7th of 125 headquartered in Georgia.
- FDIC certificate
- 2138
- Established
- 1902
- Owned by
- Queensborough Co The
- Primary regulator
- OCC
- Website
- www.qnbtrust.bank
At a glance
Compared with 11 banks headquartered in Georgia with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.3B | 54% | $2.2B | |
| Loans | $1.4B | 46% | $1.9B | |
| Deposits | $2.1B | 54% | $1.9B | |
| Return on assets | 1.09% | 18% | 1.53% | |
| Net interest margin | 3.91% | 18% | 4.21% | |
| Efficiency ratio | 65.1% | 73% | 50.9% | |
| Equity to assets | 7.88% | 9% | 10.91% | |
| Loans to deposits | 68% | 18% | 86% |
Growth
Total assets grew 4.7% a year over the last 5 years and 9.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 1999 | Bank of Wadley Wadley, GA, an affiliate under the same holding company | $24M |
| Mar 1999 | Ogeechee Valley Bank Millen, GA, an affiliate under the same holding company | $22M |
| Dec 1986 | Bank of Midville Midville, GA | $6M |
Where they operate
25 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Richmond County, GA | $736M | 16.2% | 2 of 17 |
| Columbia County, GA | $347M | 9.9% | 4 of 16 |
| Jefferson County, GA | $217M | 46.2% | 1 of 3 |
| Burke County, GA | $157M | 39.6% | 2 of 3 |
| Chatham County, GA | $148M | 1.9% | 12 of 20 |
| Mcduffie County, GA | $86M | 19.2% | 2 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (22 to 25, +13.6%). 6 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 22 | |||
| 2016 | Opened 3 in GeorgiaClosed Garden City | 3 | 1 | +2 | 24 |
| 2018 | Closed Tennille | 0 | 1 | −1 | 23 |
| 2021 | Opened Pooler | 1 | 0 | +1 | 24 |
| 2023 | Opened Hinesville | 1 | 0 | +1 | 25 |
| 2024 | Opened MetterClosed Metter | 1 | 1 | 0 | 25 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 39% | 34% | |
| 1-4 family residential | 24% | 34% | |
| Farmland | 12% | 3% | |
| Construction and land | 10% | 12% | |
| Business (C&I) | 7% | 8% | |
| Consumer | 4% | 2% | |
| Agricultural | 2% | 1% | |
| Multifamily | 1% | 3% | |
| Other | 1% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 55% | 54% | |
| Noninterest-bearing | 32% | 23% | |
| Time deposits | 13% | 24% |
Brokered deposits are 0.9% of deposits (peers 3.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.58% | 0.44% |
| Net charge-offs, annualized | 0.04% | 0.01% |
| Reserves to loans | 1.00% | 1.28% |
| Leverage ratio | 8.64% | 10.78% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Georgia
Largest competitors in Richmond County, GA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/queensborough